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Insurance Licensing NY-Independent-General-Adjuster Exam Syllabus Topics:

Section	Weight	Objectives
Topic 1: Insurance Regulation	6%	- License Maintenance 1. Renewal and Changes 2. Assumed Names and Reporting - Licensing Requirements 1. Bond and Fingerprinting 2. Qualifications and Application - Claim Settlement Regulations 1. Consumer Privacy 2. Unfair Claim Practices - Disciplinary Actions 1. Penalties and Cease and Desist Orders 2. Suspension and Revocation
Topic 2: Commercial Package Policy	38%	- Commercial Inland Marine 1. Marine Definition and Conditions 2. Contractors Equipment and Installation Floaters 3. Accounts Receivable and Valuable Papers 4. Jewelers Block, Signs and Electronic Data Processing - Commercial Policy Components 1. Common Policy Conditions 2. Common Policy Declarations - Transportation Coverages 1. Motor Truck Cargo 2. Common Carrier Legal Liability 3. Transit Coverage
Topic 3: Accident and Health Insurance Basics	6%	- Limited Policies 1. Accident-Only and Specified Disease 2. Hospital, Dental and Vision Coverage - Types of Coverage 1. Accidental Injury and Sickness 2. Disability, Medical and Long-Term Care - Accident and Health Claims 1. Notice and Proof of Loss 2. Investigation and Payment of Claims
Topic 4: Homeowners Policy	10%	- Liability Coverages 1. Personal Liability 2. Medical Payments to Others - Coverage Forms 1. HO-8 2. HO-2 through HO-6 - Perils, Exclusions and Conditions 1. Perils Insured Against 2. Exclusions and Conditions - Property Coverages 1. Loss of Use and Additional Coverages 2. Dwelling, Other Structures and Personal Property - Selected Endorsements 1. New York Special Provisions 2. Earthquake, Identity Fraud and Home Business
Topic 5: Adjusting Losses	11%	- Role of the Adjuster 1. Independent, Staff and Public Adjusters 2. Duties and Responsibilities - Claim Investigation 1. Evidence and Witness Statements 2. Claim Reporting and Documentation - Property and Liability Losses 1. Estimates, Depreciation and Salvage 2. Coverage Verification and Loss Evaluation - Claim Settlement 1. Subrogation, Appraisal and Arbitration 2. Negotiation and Releases
Topic 6: Dwelling Policy	6%	- Exclusions, Conditions and Endorsements 1. General Exclusions and Conditions 2. New York and Selected Endorsements - Coverage Forms and Perils 1. Basic, Broad and Special Forms 2. Covered Perils - Property Coverages 1. Personal Property and Loss of Use 2. Dwelling and Other Structures
Topic 7: Personal Inland Marine	13%	- Personal Property Floater 1. Coverage and Eligible Property - Personal Effects Floater 1. Coverage and Loss Settlement - Personal Articles Floater 1. Scheduled Personal Property
Topic 8: Medical Reports and Terminology	4%	- Basic Human Anatomy 1. Skeletal, Nervous and Respiratory Systems 2. Cardiovascular and Abdominal Systems - Injuries, Diseases and Medical Tests 1. Common Injuries and Diseases 2. Diagnostic Tests - Medical Terminology 1. Prefixes, Suffixes and Abbreviations 2. Medical Specialties
Topic 9: Insurance Basics	6%	- Policy Structure 1. Declarations, Conditions and Exclusions 2. Subrogation, Salvage and Loss Settlement 3. Limits, Deductibles and Other Insurance - Insurance Principles 1. Hazards, Negligence and Liability 2. Insurable Interest and Indemnity 3. Causes and Valuation of Loss - Insurance Contracts 1. Representations, Warranties and Concealment 2. Elements and Characteristics

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Insurance Licensing NewYorkIndependent General Adjuster (Series 17-70) Sample Questions (Q85-Q90):

NEW QUESTION # 85
When it comes to liability on a Businessowners Policy, the insurer's duty to defend ends if the

A. insured missed a payment on his premium.
B. insured did not pay his taxes.
C. insurer feels they put in too many claims in the past.
D. limits of insurance are used up.

Answer: D

Explanation:
The correct answer is B. Under Businessowners liability coverage, the insurer ordinarily has both a duty to indemnify for covered damages and a duty to defend the insured against qualifying suits. The defense obligation is broad, but it is not unlimited.
Standard BOP wording provides that the insurer's duty to defend terminates when the applicable limit of insurance has been used up through payment of judgments or settlements. Importantly, merely offering or depositing the policy limit is not necessarily sufficient; exhaustion must occur in accordance with the policy's contractual language.
Option A has no relationship to the policy's defense obligation. Tax-payment status is not a BOP liability- defense trigger. Option C can eventually create policy cancellation or lapse issues if premium obligations are not satisfied, but it does not describe the specific provision controlling termination of defense after a covered liability claim has arisen. Option D is entirely unsupported by the contract: an insurer cannot terminate its contractual defense obligation simply because it considers the insured's prior claim history excessive.
The Series 17-70 outline specifically tests Businessowners liability coverage, limits of insurance, liability exclusions, conditions, and claim handling.
Therefore, once the applicable liability limit has been properly exhausted through judgments or settlements, the duty to defend can end.
Thus, B is correct.

NEW QUESTION # 86
Which of the following provides high-quality magnetic images of body areas without the use of ionizing radiation?

A. Ultrasound.
B. X-Rays.
C. MRI.
D. CAT scanning.

Answer: C

Explanation:
The correct answer is C - MRI. Magnetic Resonance Imaging (MRI) produces detailed images by using a powerful magnetic field, radiofrequency energy, and computer processing. Unlike conventional X-rays and computed tomography (CAT/CT), MRI does not use ionizing radiation.
The U.S. Food and Drug Administration confirms that MR images are created without ionizing radiation and notes that MRI provides especially strong soft-tissue contrast, allowing differentiation among structures such as muscle, fat, water-containing tissues, joints, the brain, and other organs.
CAT or CT scanning, option A, uses X-ray technology and therefore involves ionizing radiation.
Conventional X-rays, option D, obviously also rely on ionizing radiation. Ultrasound, option B, does not use ionizing radiation either; it uses high-frequency sound waves. However, the question specifically asks for high-quality magnetic images, which uniquely identifies MRI among the choices.
An adjuster handling accident, disability, health, or workers compensation claims must understand diagnostic terminology because medical imaging reports may establish the existence, severity, location, and causation of an alleged injury.
The Series 17-70 outline specifically tests Understanding the Language of Medical Reports, including medical terminology and abbreviations, basic anatomy, and common injuries and diseases.

NEW QUESTION # 87
One of the MAIN purposes of the automobile mandatory inspection requirement is to

A. provide assurance to insurers that they are insuring vehicles in top condition.
B. alert policyowners to the existence of cosmetic damages to their vehicle's exterior.
C. allow insurers to charge additional premium for vehicles in substandard condition.
D. avoid claims for damages that existed prior to coverage taking effect.

Answer: D

Explanation:
The correct answer is D. New York's mandatory automobile physical-damage inspection requirements are fundamentally an anti-fraud and loss-verification mechanism. By inspecting and documenting the automobile when collision or comprehensive coverage is written, the insurer establishes the vehicle's pre-insurance physical condition. If a later claim is submitted, the insurer can compare claimed damage with the condition documented before or at the inception of physical-damage coverage.
New York DFS explains that when physical-damage coverage applies, the insurer inspects and photographs the automobile for comparison purposes if future damages are claimed. That directly supports D: the process helps prevent payment for pre-existing damage incorrectly presented as having occurred during the policy period.
The inspection is not primarily intended to surcharge vehicles because they are cosmetically imperfect, making A incorrect. It is not a consumer notification program concerning scratches or dents, eliminating B.
Nor does it guarantee that covered vehicles are in "top condition," so C is incorrect.
The Series 17-70 examination outline expressly identifies mandatory inspection requirements for private passenger automobiles under Regulation 79, Parts 67.0-67.11 as an Auto Insurance examination subject.

NEW QUESTION # 88
Which of the following does NOT constitute an element of acceptance of a settlement offer to a claimant?

A. The person to whom the offer was made must accept the offer.
B. The person accepting the offer does so with no more than one contingent stipulation.
C. The acceptance must be unconditional.
D. The person accepting the offer must communicate the acceptance by appropriate word or act.

Answer: B

Explanation:
The correct answer is C. A valid acceptance of an ordinary settlement offer must generally constitute unconditional assent to the offer's terms. Under the traditional common-law mirror-image principle, an alleged acceptance that changes, qualifies, or makes acceptance contingent upon an additional term is ordinarily treated as a counteroffer rather than acceptance of the original offer. Cornell's Legal Information Institute describes the mirror-image rule as requiring unconditional assent without modifications.
Therefore, there is no rule allowing the accepting party to add "one contingent stipulation" while still necessarily creating an acceptance. Even one material condition may prevent formation of the settlement on the original terms.
Option A is an element of proper acceptance. Option B is also correct because acceptance must ordinarily be manifested or communicated through an appropriate word, act, or other authorized method. Option D reflects the principle that the offeree-the person to whom the offer was made-is the party possessing the power to accept it. Cornell notes that an offer grants the offeree the power to accept and create a binding agreement.
Settlement agreements are contracts, so ordinary principles of offer, acceptance, consideration, authority, and mutual assent apply.
Accordingly, C is the statement that does not constitute a proper element of acceptance.

NEW QUESTION # 89
Which of the following is the medical abbreviation for getting something done immediately?

A. A and P.
B. Rx.
C. Stat.
D. DNR.

Answer: C

Explanation:
The correct answer is B - Stat. The medical abbreviation "stat" derives from the Latin statim, meaning immediately. In medical documentation and treatment instructions, a stat order indicates that the specified procedure, medication, diagnostic test, or other clinical action should be performed without ordinary scheduling delay because prompt action is required.
Option A, A and P, does not mean immediately. Depending on context, similar abbreviations may refer to anatomy and physiology or another clinical designation. Option C, Rx, commonly refers to a prescription, prescribed treatment, or therapy and does not establish urgency. Option D, DNR, means Do Not Resuscitate and identifies an instruction concerning cardiopulmonary resuscitation rather than the timing of treatment.
Medical terminology is relevant to accident and health claim adjustment because adjusters must accurately interpret medical records, physician reports, treatment documentation, hospital bills, diagnostic information, and indications of emergency care. A misunderstanding of basic medical terminology can materially affect evaluation of causation, necessity of treatment, disability periods, and damages.
Accordingly, where a medical record directs that an action be performed immediately, "stat" is the recognized term.
Series 17-70 reference topics: Other Coverages - Accident and Health Claims, Medical Terminology, Medical Documentation, and Evaluation of Treatment Records.

NEW QUESTION # 90
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